ATH HOME CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of ATH HOME CONSTRUCT is 2.4% (moderate). The 2025 annual accounts show equity of €12k and a net result of €5k. Equity is growing by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 23% of 4522 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability77▲+23
Solvency40▼-20
Growth78=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.02 against 1.53 in 2024; short-term debt: 82.6% and cash: 24.6% of total assets), and 85.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 4522 sector peers (2025).
NBB · sector comparisonPosition among 4522 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
14 d late
2022
32 d late
2021
2 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▲ 84.7%
2024 · €6k
2021: €4klowest in 5 years
2022: €19k▲ +452% vs 2021highest in 5 years
2023: €5k▼ -73.1% vs 2022
2024: €6k▲ +23.0% vs 2023
2025: €12k▲ +84.7% vs 2024
2021 → 2025
Total assets
€79k▲ 329%
2024 · €18k
2021: €4klowest in 5 years
2022: €36k▲ +796% vs 2021
2023: €19k▼ -47.8% vs 2022
2024: €18k▼ -2.3% vs 2023
2025: €79k▲ +329% vs 2024highest in 5 years
2021 → 2025
Net result
€5k▲ 353%
2024 · €1k
2021: €-1k
2022: €16k▲ +1164% vs 2021highest in 5 years
2023: €-14k▼ -189% vs 2022lowest in 5 years
2024: €1k▲ +108% vs 2023
2025: €5k▲ +353% vs 2024
2021 → 2025
Working capital
€1k▼ 83.8%
2024 · €6k
2021: €4k
2022: €19k▲ +452% vs 2021highest in 5 years
2023: €5k▼ -73.1% vs 2022
2024: €6k▲ +23.0% vs 2023
2025: €1k▼ -83.8% vs 2024lowest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€19k▲ 452%€5k▼ 73.1%€6k▲ 23.0%€12k▲ 84.7%
2021: €4klowest in 5 years
2022: €19k▲ +452% vs 2021highest in 5 years
2023: €5k▼ -73.1% vs 2022
2024: €6k▲ +23.0% vs 2023
2025: €12k▲ +84.7% vs 2024
Operating result€-1k-€21k€-14k€1k€6k▲ 334%
2021: €-1k
2022: €21k▲ +1523% vs 2021highest in 5 years
2023: €-14k▼ -167% vs 2022lowest in 5 years
2024: €1k▲ +109% vs 2023
2025: €6k▲ +334% vs 2024
Net result€-1k-€16k€-14k€1k€5k▲ 353%
2021: €-1k
2022: €16k▲ +1164% vs 2021highest in 5 years
2023: €-14k▼ -189% vs 2022lowest in 5 years
2024: €1k▲ +108% vs 2023
2025: €5k▲ +353% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 334% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €79k
Fixed assets
€13k
Current assets
€66k
Equity and liabilities €79k
Equity
€12k ▲ 84.7%
Debt
€67k ▲ 459%
Debt's share of the balance-sheet total rises from 65.3% to 85.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€6k
Cash flow
€6k
Current ratio
1.02▼
2024 · 1.53
Debt to equity
5.69▲
2024 · 1.88
ROE
45.9%▲
2024 · 18.7%
ROA
6.9%▲
2024 · 6.5%
Interest coverage
32.79
Debt ≤ 1 year
€65k▲
2024 · €12k
Debt > 1 year
€2k
Staff costs
€128k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€18k€79k▲
Fixed assets21/28-€13k
Tangible fixed assets22/27-€13k
Plant, machinery and equipment23-€8k
Furniture and vehicles24-€4k
Other tangible fixed assets26-€992
Current assets29/58€18k€66k▲
Amounts receivable within one year40/41€2k€43k▲
Trade receivables40€2k€25k▲
Other amounts receivable41-€18k
Cash at bank and in hand54/58€17k€19k▲
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€18k€79k▲
Equity10/15€6k€12k▲
Contributions10/11€5k€5k=
Reserves13€13k€13k=
Distributable reserves133€13k€13k=
Profit (loss) carried forward14€-12k€-6k▲
Amounts payable17/49€12k€67k▲
Amounts payable after more than one year17-€2k
Financial debts170/4-€2k
Amounts payable within one year42/48€12k€65k▲
Current portion of amounts payable after more than one year42-€2k
Trade debts44€3k€51k▲
Suppliers440/4€3k€51k▲
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€667-
Remuneration and social security454/9€2k€5k▲
Other amounts payable47/48€6k€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62€3k€128k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€880
Other operating charges640/8-€137
Gross operating margin9900€5k€135k▲
Operating profit (loss)9901€1k€6k▲
Financial charges65/66B€99€198▲
Recurring financial charges65€99€198▲
Profit (loss) for the period before taxes9903€1k€5k▲
Profit (loss) for the period9904€1k€5k▲
Profit (loss) for the period to be appropriated9905€1k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-6k▲
Profit (loss) brought forward from the previous period14P€-13k€-12k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €3k | €128k | ▲ 3,806% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | €880 | - |
| Other operating charges640/8 | - | - | - | - | €137 | - |
| Gross operating margin9900 | €-1k | €21k | €-14k | €5k | €135k | ▲ 2,845% |
| Operating profit (loss)9901 | €-1k | €21k | €-14k | €1k | €6k | ▲ 334% |
| Financial income75/76B | €0 | €0 | €65 | - | - | - |
| Recurring financial income75 | €0 | €0 | €65 | - | - | - |
| Financial charges65/66B | €5 | €70 | €96 | €99 | €198 | ▲ 99.8% |
| Recurring financial charges65 | €5 | €70 | €96 | €99 | €198 | ▲ 99.8% |
| Profit (loss) for the period before taxes9903 | €-1k | €21k | €-14k | €1k | €5k | ▲ 353% |
| Income taxes67/77 | - | €5k | - | - | - | - |
| Profit (loss) for the period9904 | €-1k | €16k | €-14k | €1k | €5k | ▲ 353% |
| Profit (loss) for the period to be appropriated9905 | €-1k | €16k | €-14k | €1k | €5k | ▲ 353% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4k | €36k | €19k | €18k | €79k | ▲ 329% |
| Fixed assets21/28 | - | - | - | - | €13k | - |
| Tangible fixed assets22/27 | - | - | - | - | €13k | - |
| Plant, machinery and equipment23 | - | - | - | - | €8k | - |
| Furniture and vehicles24 | - | - | - | - | €4k | - |
| Other tangible fixed assets26 | - | - | - | - | €992 | - |
| Current assets29/58 | €4k | €36k | €19k | €18k | €66k | ▲ 260% |
| Amounts receivable within one year40/41 | €3k | €6k | €14k | €2k | €43k | ▲ 2,324% |
| Trade receivables40 | €2k | €2k | €12k | €2k | €25k | ▲ 1,298% |
| Other amounts receivable41 | €1k | €4k | €2k | - | €18k | - |
| Cash at bank and in hand54/58 | €625 | €30k | €5k | €17k | €19k | ▲ 16.6% |
| Deferred charges and accrued income490/1 | - | €341 | €78 | - | €4k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4k | €36k | €19k | €18k | €79k | ▲ 329% |
| Equity10/15 | €4k | €19k | €5k | €6k | €12k | ▲ 84.7% |
| Contributions10/11 | €5k | €5k | €5k | €5k | €5k | = |
| Reserves13 | - | €13k | €13k | €13k | €13k | = |
| Distributable reserves133 | - | €13k | €13k | €13k | €13k | = |
| Profit (loss) carried forward14 | €-1k | €1k | €-13k | €-12k | €-6k | ▲ 46.7% |
| Amounts payable17/49 | €527 | €17k | €14k | €12k | €67k | ▲ 459% |
| Amounts payable after more than one year17 | - | - | - | - | €2k | - |
| Financial debts170/4 | - | - | - | - | €2k | - |
| Amounts payable within one year42/48 | €527 | €17k | €14k | €12k | €65k | ▲ 443% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €2k | - |
| Trade debts44 | €527 | €7k | €6k | €3k | €51k | ▲ 1,478% |
| Suppliers440/4 | €527 | €7k | €6k | €3k | €51k | ▲ 1,478% |
| Taxes, remuneration and social security45 | - | €5k | €3k | €2k | €5k | ▲ 89.1% |
| Taxes450/3 | - | €5k | €833 | €667 | - | - |
| Remuneration and social security454/9 | - | - | €2k | €2k | €5k | ▲ 159% |
| Other amounts payable47/48 | - | €5k | €5k | €6k | €8k | ▲ 21.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-1k | €16k | €-14k | €1k | €5k | ▲ 353% |
| + Depreciation and write-downs630 | - | - | - | - | €880 | - |
| Operating cash flow (approximation) | €-1k | €16k | €-14k | €1k | €6k | ▲ 427% |
| Change in cash | - | €29k | €-25k | €12k | €3k | ▼ 77.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ath · 1 establishment unit since 2021
Ground area
434 m²
Building footprint
690 m²
Volume, LiDAR
3,692 m³
Parcel 51041B0685/00H000, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ath Home Construct
since 20212.315.783.047
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51041B0685/00H000 | Wallonia | 434 m² | 1 · 690 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 21,213 companies in sector 81300 we hold annual accounts for 4,364. 2,620 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
81300Landscape service activities
Scores and ratios are computed by Checked and are not a credit decision.